3432 E Hwy 92, Williamsburg, KY 40769 Property Records

Whitley County property record for 3432 E Hwy 92, Williamsburg, KY 40769

Property Summary

Property Type	Mobile Home
Details	1,920 sqft · built 2013
Lot Size	4.05 acres (176,418 sqft)
Owner	Individual Name on File
Tax Bill	$623 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Jan 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`129-00-00-018.01`

Property Details

APN / Parcel Number

Primary APN	`129-00-00-018.01`
Alternative APN	`15470`

Interior

Stories	1 Story
Building Area	1,920 sqft Living Area

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	176,418 sqft (4.05 acres)
Lot Dimensions	60 ft deep x 32 ft wide
Terrain	Rolling
Driveway	Gravel Driveway

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	3432 E HIGHWAY 92
City	WILLIAMSBURG
State	KY
Zip	40769-6016
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	N
Legal Description	2013 32X60 FRANK HS& 4.05 +- @E HWY 92
Jurisdiction	WHITLEY KY
Township / Civil Division	WILLIAMSBURG
Census Block Group	3
Census Block	3007
Census Tract	920502

Owner

3432 E Hwy 92, a mobile home, is owned by an individual.

Source: Whitley County records, as of April 2, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 1417, WILLIAMSBURG, KY 40769-3417
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2024	Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK INC
Jan 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITLEY KY
Property Address	3432 E HIGHWAY 92, WILLIAMSBURG, KY 40769
Transaction Type	Mortgage
Record Updated	Jan 25, 2024
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3432 E HIGHWAY 92, WILLIAMSBURG, KY 40769-6016

Mortgage

Document Number	00M711/652
Date	Jan 4, 2024
Book Page	M711/652
Instrument	304257

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	WILLIAMSBURG, KY 40769

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Dec 15, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITLEY KY
Property Address	3432 E HIGHWAY 92, WILLIAMSBURG, KY 40769
Transaction Type	Mortgage
Record Updated	Mar 22, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M650/386
Date	Jan 13, 2020
Book Page	M650/386
Instrument	240775

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	PIKEVILLE, KY 41502

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 3432 E Hwy 92 was $623.

Source: Whitley County assessment roll, as of April 2, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Whitley County
Unified School District	Whitley County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$623.00	$79,500	$79,500
2023	$593.00	$79,500	$79,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3432 E Hwy 92 in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 17, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Feb 2020 · Severe Storms, Flooding, Landslides, And Mudslides

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 3432 E Hwy 92 is moderate, ranking above 66% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 66% of the US · above 81% of Kentucky
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WHITLEY CO WATER DISTRICT serves 9,825 people · EPA ID KY1180468
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2023 Total trihalomethanes resolved · Jul 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Zito Media.

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